As of today, we're noticing that mortgage rates are better for a 10% down payment deal versus a 20% down payment.  That's highly unusual considering, in theory, that risk increases as down payment or equity decreases.  Even so, we're still recommending clients to put 20% down if at all possible.  In doing so, you are able to avoid paying monthly mortgage insurance.  However, if 10% is the maximum, this dislocation in pricing is a great opportunity to lock in a mortgage rate that's better than if you were putting 20% down!  My goal is to always deliver greater value versus cost.  Contact me today for a no-obligation, mortgage consultation.